Home loan · 1yr Fixed
Fixed Loan
6.52%comparison rate p.a. · 6.69% advertised
1yr Fixed · P&I · Investor · ≤80% LVR
7th of 48 1-year fixed investor P&I loans
The same choices at every rate type
Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- 1yr Fixed · P&I · Investor · ≤80% LVR
- 6.52% comparison · 6.69% advertised
- 1yr Fixed · P&I · Investor · 80–90% LVR
- 6.56% comparison · 7.09% advertised
- 1yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.54% comparison · 6.89% advertised
- 2yr Fixed · P&I · Investor · ≤80% LVR
- 6.54% comparison · 6.74% advertised
- 2yr Fixed · P&I · Investor · 80–90% LVR
- 6.63% comparison · 7.14% advertised
- 2yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.58% comparison · 6.94% advertised
- 3yr Fixed · P&I · Investor · ≤80% LVR
- 6.57% comparison · 6.74% advertised
- 3yr Fixed · P&I · Investor · 80–90% LVR
- 6.68% comparison · 7.14% advertised
- 3yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.62% comparison · 6.94% advertised
- 4yr Fixed · P&I · Investor · ≤80% LVR
- 6.59% comparison · 6.74% advertised
- 4yr Fixed · P&I · Investor · 80–90% LVR
- 6.74% comparison · 7.14% advertised
- 4yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.66% comparison · 6.94% advertised
- 5yr Fixed · P&I · Investor · ≤80% LVR
- 6.61% comparison · 6.74% advertised
- 5yr Fixed · P&I · Investor · 80–90% LVR
- 6.78% comparison · 7.14% advertised
- 5yr Fixed · Interest Only · Investor · ≤80% LVR
- 6.69% comparison · 6.94% advertised
- Application fee
- None
- Ongoing fee
- None
- Discharge fee
- $350
- Redraw fee
- None
- Offset account
- No
- Redraw
- Yes
- Extra repayments
- Yes
- Portable
- No
- Repayment holiday
- No
- Minimum loan
- $20,000
- Fixed Loan · 1yr Fixed · P&I · Investor
- RBA cash rate
October 20262 changes
- 13Tue
- 5 variants up 0.14 to 0.2313 days after the RBA rise to 4.60%+0.14 to +0.23All Interest Only · Investor · ≤80% LVR
1yr Fixed 6.31 6.54 +0.23 2yr Fixed 6.38 6.58 +0.20 3yr Fixed 6.44 6.62 +0.18 4yr Fixed 6.50 6.66 +0.16 5yr Fixed 6.55 6.69 +0.14 - 10 variants up 0.14 to 0.2313 days after the RBA rise to 4.60%+0.14 to +0.23All P&I · Investor
1yr Fixed · ≤80% LVR 6.29 6.52 +0.23 1yr Fixed · 80–90% LVR 6.33 6.56 +0.23 2yr Fixed · ≤80% LVR 6.34 6.54 +0.20 2yr Fixed · 80–90% LVR 6.42 6.63 +0.21 3yr Fixed · ≤80% LVR 6.39 6.57 +0.18 3yr Fixed · 80–90% LVR 6.50 6.68 +0.18 4yr Fixed · ≤80% LVR 6.43 6.59 +0.16 4yr Fixed · 80–90% LVR 6.58 6.74 +0.16 5yr Fixed · ≤80% LVR 6.47 6.61 +0.14 5yr Fixed · 80–90% LVR 6.64 6.78 +0.14
September 20262 changes
- 23Wed
- 5 variants up 0.02 to 0.07+0.02 to +0.07All Interest Only · Investor · ≤80% LVR
1yr Fixed 6.29 6.31 +0.02 2yr Fixed 6.32 6.38 +0.06 3yr Fixed 6.37 6.44 +0.07 4yr Fixed 6.44 6.50 +0.06 5yr Fixed 6.48 6.55 +0.07 - 5 variants up 0.02 to 0.07+0.02 to +0.07All P&I · Investor · 80–90% LVR
1yr Fixed 6.31 6.33 +0.02 2yr Fixed 6.36 6.42 +0.06 3yr Fixed 6.43 6.50 +0.07 4yr Fixed 6.52 6.58 +0.06 5yr Fixed 6.58 6.64 +0.06
With our Fixed Rate Home & Investment Loans you can set your interest rate for a fixed period of time, so you know exactly what your mortgage repayments will be, helping you to budget and plan your finances.
Also from People First Bank: Basic Variable Home Loan 6.35% · Fixed Home Loan 6.36% · Basic Variable Loan 6.40%
As of 1 November 2026, the People First Bank Fixed Loan's 1-year fixed investor P&I variant has a comparison rate of 6.52% (6.69% advertised), ranking 7th of 48 1-year fixed investor P&I loans. The product comes in 15 variants; the others are investor, interest-only, other fixed terms and other LVR bands. Its rate last moved on 13 October 2026, 13 days after the RBA rise to 4.60%. From the provider's Consumer Data Right feed, refreshed nightly.